Notice to IRA Holders:The 12.31.13 fair market value of your retirement account(s) is being furnished to the Internal Revenue Service (IRS). If you do not contribute to your account(s) for tax year 2013, this will be your only record of the 12.31.13 fair market value. When taking a distribution from your IRA, be sure to provide withholding instructions or 10% will be withheld.